Date Received: 2020-04-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2020 I requested a credit line increase which shouldn't have resulted in a hard inquiry because I already had an established line of credit with updated financial information and everything US Bank needed was provided by soft credit check. The bank web page is very misleading and unethical. it leads you to credit request increase link and you don't fill out any information and it automatically does a hard credit pull on your account! I tried to reach out to them to revert that and ask the credit bureau to remove it but they declined citing a piece of paper they sent me when I signed up for the credit card years ago?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66049
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I got scammed from a vender selling defective product Online from my US Bank credit card for {$79.00}. Ive contacted vendor many times, unfortunately, never get a response. I tried to get help from US Bank credit card Financial institution company to dispute the charge. They were unable to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53705
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. Again, without a card there is no 16 digit account number to work with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020, I tried to withdraw {$400.00} from ATM of US. Bank, located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Wisconsin XXXX. I received from dispenser {$300.00}, less {$100.00}, receipt states {$400.00}. In ten minutes I filed dispute with the bank at the general phone number XXXX. My dispute was denied with denial letter on XX/XX/XXXX, XXXXWhen I call bank with request to provide all material of their investigation, they came up with explanation that customer service representative forwarded my dispute to the wrong department. I ASKED FOR MATERIAL OF INVESTIGATION ANYWAY. Instead CSR offered resubmit my dispute again, XXXX XXXX. On XX/XX/2020 US Bank denied second attempt of dispute. On XX/XX/2020, I called customer service to request ALL MATERIAL OF INVESTIGATION. In a week I called bank to find out about status of my requests. Bank 's employees started to transfer me from one department to another. I had chance to talk to debit card department, fraud liaison department, phone calls were disconnected or returned to the general options. Whoever I spoke had different explanation on the subject, deceptive, evasive, sometimes rude. All phone conversations are recorded. Special attention to the performance on the U.S. Bank Email Operation Department, XXXX XXXX He assured me that he forwarded my request to the investigation team, never responded to my email again. XXXX was very firm insisting that investigation department does not have direct phone number. All of them treated me as a fool. Managers aforementioned U.S. Bank location denied liability and authorities over their ATM. They claim some unanimous subcontractor provide services of ATM. Therefore, I demand all materials of investigations for two disputes on the same incident. Find attached copies of the transection receipt on XX/XX/2020 and letters of denial- XX/XX/2020, XX/XX/2020. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My house burned down In XX/XX/XXXX. I have US Bank as my mortgage company. I have submitted my insurance check to them and have completed all of the steps under step 1 and 2. After I completed step 1 ( I will upload all paperwork US bank has sent me ) I was denied the first release of my 33 percent check to pay my contractor because they said I need blue prints and I would not get my check until blue prints were given to them and they were approved. No where in the paper work does it say I need blue prints. I uploaded and faxed what I had from my contractor and filed a complaint. I called US bank property loss division the next day and my first check was released. My check was sent to me. I now have completed step 2 and waited the 5 business days like I was told. I called today XX/XX/XXXX. The first person told me what I had originally uploaded wasn't sufficient and they were denying me my second check. I was put on hold and hung up on. I called back. The second person told me the same thing and said we need " more measurements. '' No where on their paper work does it say I need " more measurements '' to get my second check. I was disconnected from that call as well. Neither the first or second property loss customer service agents called me back. I called a third time. That customer service agent informed me my paperwork was just general paperwork and they do not have total loss paperwork and that it doesn't matter if I completed all the steps on the only paper work US Bank has provided me and that they will not release my second check so I can pay my contractor for my house being 50 % complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Before i called the us bank, i called XXXX, XXXX XXXX, XXXX and XXXX XXXX and they were more than happy tto defer payment up to 3 months .I have two U.S. Bank Skypass visa credit cards. On XX/XX/20, XXXX XXXX PST, I called to request for defer a payment due to coronavirus hardship. i talked to a CS rep lady and she was very sympathetic but couldn't help me much so i asked to speak to a supervisor. A guy name XXXX ( he did not give me any employee # when i asked ) answered. I can tell right away by his tone of voice he was annoyed to talk to me. I asked him for defer payment. He flat out said no. I asked why. He said its because its handle by skypass visa, not U.S. Bank. I said but I always pay to U.S. Bank. I asked him to push out the minimum payment amount to 1 or 2 months but he said no. It will keep accrued if you don't make a payment. Meaning if i don't pay {$100.00}, it will go up to {$20.00} and so on. I said but that's not how other banks offered. He kept saying about the skypass visa so I need to pay no matter what. i said i did not agree anything like that in terms and condition when i first got the cards. It was like talking to a brick. No matter what i said he didn't want to hear me and work with me. Either he wins collecting the money or he loose. I was never late or delinquent for 7 years until coronavirus pandamic. Why is he being such a jerk in this crazy pandamic time? Funny thing is one of my cards got deferred automatically. But not the other one. So its not actually up to skypass visa but its up to u.s. bank. And please show me the terms and conditions that i agreed on accrued defer payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020, I opened a checking account with US Bank online. I funded it with {$50.00} by debit card, and to reach the {$1500.00} minimum balance to avoid maintenance fees, I deposited a {$750.00} check on XX/XX/XXXX and a {$700.00} check on XX/XX/XXXX via mobile check deposit and drawn on another bank account of mine elsewhere. I had to do separate deposits as there was a {$750.00} daily check deposit limit. A few days later I received letters stating these checks would be held and not available for 7-10 business days, as I expected as it was a new account. Then on XX/XX/XXXX, I received a letter from the unnamed branch manager of the XXXX XXXX XXXX branch that my account was being closed due to suspicious and irregular activity. I was very surprised and confused, so I called the branch phone ( XXXX ) as the letter instructed, and could not reach anyone. I then did some internet research to find that XXXX XXXX was the manager of the branch and emailed her asking why my account was being closed. She called me a couple hours later and explained that if I read the account disclosures, I would know that the bank can close an account for any reason and that the reason was that most people don't make two mobile check deposits within a day of each other for about the same amount. I explained that the checks have already cleared my other bank ( XXXX, on XX/XX/XXXX and XXXX respectively ), and why the account needed to be closed since a hold is sufficient to ensure the checks are good. She insisted that it was suspicious and that if I wanted to come to the branch that she would help me read the disclosuresa sarcastic remark I did not find helpful. She said my employer direct deposit that was paid that morning would be returned to my employer ( which was incorrect ) and the balance would be mailed via check in 10 business days. I did receive my paycheck back from US Bank on XX/XX/XXXX ( 18 days after it was paid to my account ) via US Bank certified check by mail in the amount of {$620.00}. Since then, I have not received the remaining {$1500.00} of my balance, over a month after these deposits cleared. On XX/XX/XXXX, I emailed the XXXX as instructed by the check letter, along with supporting documentation, and demanded my remaining balance. I received no reply. On XX/XX/XXXX, I received a final account statement via mail showing a final withdrawal on XX/XX/XXXX of {$1500.00} with no description other than " 32/ [ my account # ] ''. I called the main customer support line at XXXX and spoke with a XXXX who could not provide any information on where my {$1500.00} was and what the withdrawal transaction was. She referred me to call XXXX where I could not reach anyone. For over a month, US Bank has frozen and closed my account and continues to withhold {$1500.00} of my money due to no fault or wrongdoing of my own. As a public accountant and ex-banker who has never once overdrawn an accountmuch less passed a fraudulent checkI am floored by the fraudulent ineptitude of this bank and of XXXX XXXX. Please help me recover my {$1500.00} from US Bank. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have been calling XXXX at XXXX, to get a card mailed out to me so I can receive my housing utility benefits from section XXXX housing I have been calling every day non-stop multiple times a day since XX/XX/2020, I sometimes spend my whole day trying to get through to someone. They have me listening to the music for over an hour when I can finally get past the operator stating that the line is busy. Then after me listening to the music as stated for an hour-long or more they end the call or they answer without saying hello or anything and just hold the phone. I need that money to pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have a us bank reliacard which I recieve my child support on. My card is being declined over and over and i have spent several hours a day between XX/XX/XXXX and now on hold with customer service. Each time after hours of waiting the call is disconnected. I have been unable to log into my online account and after trying several times to get in I gave up. The customer service had sent me several links over a year ago that were supposed to help me set a new password but that was unsuccessful. I have {$210.00} on my card that I can not access and need. I also tried calling and going to My local US bank but they told me they cant do anything and to call reliacard customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A